BankSouth: how it compares with its peers
Against 12 GA banks with half to twice its assets, BankSouth's strongest measure in Q2 2026 is net interest margin (4.63% vs. a 4.17% peer median). Its weakest relative measure is efficiency ratio (69.66% vs. 54.33%).
| Measure | BankSouth | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.57% | 1.58% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.63% | 4.17% | Middle third Ahead of 58% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.66% | 54.33% | Bottom third Ahead of 8% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $8.4M | Bottom third Ahead of 8% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.73% | 81.98% | Context |
What it means for lending operations
Its efficiency ratio of 69.66% is above the 54.33% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- PrimeSouth Bank Blackshear, GA · $1.60B
- PeoplesSouth Bank Colquitt, GA · $1.21B
- American Pride Bank Macon, GA · $1.03B
- United Bank Zebulon, GA · $2.16B
- Thomasville National Bank Thomasville, GA · $2.18B
Questions about BankSouth
How big is BankSouth?
BankSouth, established in 1946, is headquartered in Greensboro, GA. It reported $1.59B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is BankSouth's return on assets?
1.57% annualized in Q2 2026, against a 1.58% median for 12 GA banks with half to twice its assets, ahead of 50% of them.
What is BankSouth's efficiency ratio?
69.66% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 54.33%, and lower is better.
Is BankSouth growing its loans?
Net loans grew 16.0% over the year to Q2 2026, while deposits grew 20.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.